Farmington Hills, MI

Credit Repair & Financial Services in Farmington Hills

Review 7 credit repair companies, personal lenders, and financial services in Farmington Hills, Michigan. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Michigan avg credit score: 707 Median income: $68,505 Poverty rate: 13.1% Payday loans: Legal Michigan overview →

Featured Provider Profiles in Farmington Hills

7 companies
American Profit Recovery logo

American Profit Recovery

American Profit Recovery (APR) is a Farmington Hills, MI-based third-party debt collection agency. BBB A+ rated (not accredited). Specializes in medical, dental, and professional service debt collection. 3,400+ Google reviews.

4.9/5

Google rating from 3,405 reviews

BBB: A+

Profile signals: Consumers who have received collection notices from APR and want to negotiate a settlement or payment plan, Individuals whose medical, dental, or professional service debts have been placed with APR for collection

GreenPath Financial Wellness HQ logo

GreenPath Financial Wellness HQ

National nonprofit offering free NFCC and HUD-certified financial counseling since 1961, helping consumers with debt management, budgeting, and housing decisions.

4.0/5

Google rating from 55 reviews

BBB: NR

Profile signals: Consumers with moderate, manageable debt (credit cards, personal loans) who can commit to 3-7 year repayment timelines, First-time homebuyers seeking HUD-certified guidance on mortgages, down payments, and homeownership readiness

14K Pawn logo

14K Pawn

14K Pawn is a pawn shop located in Farmington Hills, MI offering collateral-based loans and buying/selling of items like jewelry and gold.

BBB: NR

Profile signals: Consumers researching emergency-cash options quickly with eligibility and income-verification claims to verify, Individuals with poor credit or no credit history who may not meet traditional loan criteria

Express Jewelry and Gifts logo

Express Jewelry and Gifts

Express Jewelry and Gifts is a pawn shop located in Farmington Hills, MI, offering collateral-based loans and jewelry/gift purchasing services.

BBB: NR

Profile signals: Customers seeking short-term cash access in exchange for jewelry or gift items, People needing short-term collateral-based loans with eligibility claims to verify

Greenpath Financial Wellness logo

Greenpath Financial Wellness

Greenpath Financial Wellness Farmington Hills, MI — GreenPath Financial Wellness is a nonprofit credit counselor offering free debt management, financia...

BBB: NR

Profile signals: Consumers with multiple high-interest credit cards seeking consolidation into single affordable payments, Homeowners facing foreclosure or considering housing decisions who need HUD-certified guidance

Greenpath Financial Wellness logo

Greenpath Financial Wellness

GreenPath Financial Wellness is a 60-year-old national nonprofit offering free NFCC and HUD-certified financial counseling, debt management, and housing guidance.

BBB: A+

Profile signals: Individuals with high-interest credit card debt seeking consolidation with lower rates and extended repayment terms, Homeowners facing foreclosure or seeking HUD-approved housing counseling and guidance

Free Help in Farmington Hills

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GreenPath Financial Wellness HQ logo

GreenPath Financial Wellness HQ

National nonprofit offering free NFCC and HUD-certified financial counseling since 1961, helping consumers with debt management, budgeting, and housing decisions.

4.0/5

Google rating from 55 reviews

BBB: NR

Profile signals: Consumers with moderate, manageable debt (credit cards, personal loans) who can commit to 3-7 year repayment timelines, First-time homebuyers seeking HUD-certified guidance on mortgages, down payments, and homeownership readiness

Greenpath Financial Wellness logo

Greenpath Financial Wellness

Greenpath Financial Wellness Farmington Hills, MI — GreenPath Financial Wellness is a nonprofit credit counselor offering free debt management, financia...

BBB: NR

Profile signals: Consumers with multiple high-interest credit cards seeking consolidation into single affordable payments, Homeowners facing foreclosure or considering housing decisions who need HUD-certified guidance

Greenpath Financial Wellness logo

Greenpath Financial Wellness

GreenPath Financial Wellness is a 60-year-old national nonprofit offering free NFCC and HUD-certified financial counseling, debt management, and housing guidance.

BBB: A+

Profile signals: Individuals with high-interest credit card debt seeking consolidation with lower rates and extended repayment terms, Homeowners facing foreclosure or seeking HUD-approved housing counseling and guidance

Greenpath, Inc. logo

Greenpath, Inc.

HUD and NFCC-certified non-profit housing counselor offering free foreclosure prevention, mortgage delinquency, and rental counseling services.

BBB: NR

Profile signals: Homeowners facing foreclosure or mortgage delinquency seeking free intervention, Prospective homebuyers wanting education before purchase (especially credit union members)

Pawn Shops in Farmington Hills

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14K Pawn logo

14K Pawn

14K Pawn is a pawn shop located in Farmington Hills, MI offering collateral-based loans and buying/selling of items like jewelry and gold.

BBB: NR

Profile signals: Consumers researching emergency-cash options quickly with eligibility and income-verification claims to verify, Individuals with poor credit or no credit history who may not meet traditional loan criteria

Express Jewelry and Gifts logo

Express Jewelry and Gifts

Express Jewelry and Gifts is a pawn shop located in Farmington Hills, MI, offering collateral-based loans and jewelry/gift purchasing services.

BBB: NR

Profile signals: Customers seeking short-term cash access in exchange for jewelry or gift items, People needing short-term collateral-based loans with eligibility claims to verify

Debt Relief in Farmington Hills

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American Profit Recovery logo

American Profit Recovery

American Profit Recovery (APR) is a Farmington Hills, MI-based third-party debt collection agency. BBB A+ rated (not accredited). Specializes in medical, dental, and professional service debt collection. 3,400+ Google reviews.

4.9/5

Google rating from 3,405 reviews

BBB: A+

Profile signals: Consumers who have received collection notices from APR and want to negotiate a settlement or payment plan, Individuals whose medical, dental, or professional service debts have been placed with APR for collection

Your Rights in Michigan

Michigan Consumer Protections: Michigan allows payday lending with a $600 cap, tiered fee structure, and a one-loan-at-a-time limit. Rollovers are prohibited. The Department of Insurance and Financial Services regulates consumer lenders, and complaints can be filed with DIFS or the Attorney General.

Interest Rate Cap: Michigan usury cap: 25% for consumer loans; payday loans capped at $600 with 15% fee on first $100, tiered after.

Key Regulations:
  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.
  • The Michigan Consumer Protection Act provides additional safeguards against deceptive lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Michigan Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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